Subject: Understanding Medical Claim Payments After a Car Accident (MA)
Hi everyone,
I was in a car accident a couple of months ago and was found to be at fault while driving a family member’s car. Their insurance company has contacted me regarding a medical claim and PIP.
Since I have Medicare, all of my healthcare expenses are completely covered, meaning I don’t owe any medical bills. However, I’m currently in a tight financial situation.
I’m trying to understand how the payment process works. Will a check be issued to my insurance, or will it be sent directly to me? If it comes to me, am I allowed to keep the funds instead of paying them to my insurance? Given that I was at fault, I’m hesitant to hire a lawyer for this.
Any insights or advice would be greatly appreciated. Thanks!
In Massachusetts, if you have filed a medical claim and are receiving PIP (Personal Injury Protection) benefits through the insurance of the car you were borrowing, the check typically goes to your medical providers for the bills incurred due to the accident. However, since you have Medicare, your healthcare costs are covered, which may leave you with some cash benefits as well.
Check Distribution: If the insurance company issues a check, it often goes directly to your healthcare providers rather than to you. However, if there’s a personal injury settlement where you receive funds directly, you may have options depending on the specifics of the case.
Keeping the Money: If you receive a settlement check that includes components for medical expenses (even those already covered by Medicare), you should carefully consider whether you need to reimburse your insurance or if you’re allowed to keep it. You should review your policy or consult with an insurance professional to understand what your obligations are.
Legal Advice: Although you mentioned not wanting a lawyer because you were at fault, it might still be wise to consult with one briefly. They can provide clarity on how to handle any potential funds you receive and what your legal obligations might be, especially regarding payment to Medicare or any liens they may have.
Ultimately, your specific situation can be complex, and getting tailored advice could help ensure you make informed decisions. It might also help alleviate some of your financial stress.